The Best Cheap Car Insurance in Texas 2022

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According to the Insurance Information Institute (III), in Texas,

car insurance

averages $1,008 per year, hovering around the US national average of $935. 

Car insurance companies consider your location, age, gender, and driving record to calculate rates for premiums. Other factors like credit score, marital status, vehicle type, previous coverage, and miles driven can all play a role in the amount you’ll pay for coverage.

Even though car insurance is relatively affordable in Texas, there’s still plenty to be saved if you’re willing to shop around and look for the best deals. 

Minimum car liability insurance requirements in Texas

In the US, all drivers must have liability coverage. If you’re involved in an accident, liability insurance covers damage you cause to the other vehicle, driver, and passengers. If you finance or lease your car, your lender probably requires comprehensive and collision coverage. 

The two main components of liability insurance are bodily injury and property damage, which most states require. Liability insurance also includes uninsured motorist and underinsured motorist coverage. This policy protects you when an at-fault driver hits you, and they have no coverage or not enough coverage.

According to data from the III, Texas requires bodily, property, and personal coverage. Texas’ minimum liability requirements are 30/60/25 — up to $30,000 of injury protection for each person involved in an accident, up to $60,000 worth of injuries per incident, and up to $25,000 of property damages per incident. 

Best cheap car insurance in Texas based on credit score

Consumer Reports gathered the pricing formulas used by each insurance company in each state, and calculated rates based on the average single adult driver with three different credit types. For insurance in Texas, it found that these three companies offered the best car insurance at the lowest prices for each credit tier. 

Average premiums for seniors and teen drivers in Texas

The table below shows the average senior and teen drivers can expect to pay in Texas. Because teen drivers are new drivers with little driving history and more prone to accidents, their rates are high. Most insurance companies offer discounts to teen drivers for good grades or taking driving safety classes.

Senior drivers typically see an uptick in car insurance premiums as they age, but not as much of an increase as new or teen drivers. If you’re still driving in your 60s and 70s, there are ways to negotiate cheaper auto insurance rates, like pay-per-mile usage.

Data provided by Goosehead Insurance

Texas car insurance rates by city

Below is the estimated average annual premium of

auto insurance

policies per household in Texas’ most populous cities.

Above data is from S&P Global Market Intelligence.

Best car insurance in Texas based on customer satisfaction

Customer satisfaction with car insurance providers may factor into your decision. Five factors define customer satisfaction: billing process and policy information; claims; interaction; policy offerings; and price. According to a 2021 survey by J.D. Power, a consumer research company that surveys customers, these are the top car insurance companies in Texas based on customer rankings:

The following are the top 10 most popular car insurance companies in Texas, based on the percentage of insured Texas drivers who use them:

*USAA is only for active military, veterans, and their families.

Who gets the best car insurance rates in Texas? 

Drivers who live in rural areas with less traffic and those with inexpensive cars will often see lower premiums. There are a lot of other factors that go into your price as well, including your gender, age, and even whether or not you’re married. But perhaps one of the most critical factors is your credit score.

Another way to save is to shop around. Every insurance company prices policies differently, and no two policies are the same. Prices vary greatly depending on whether you get liability, comprehensive, or collision coverage.

Consider the amount of coverage and the types of coverage listed on your quote. Remember, you’re looking for the most coverage for your money. Don’t forget to look at the deductible or the amount you’ll pay out of pocket if you get into an accident.

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